CVNA vs. TOL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CVNA and TOL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CVNA | TOL |
|---|---|---|
| Company Name | Carvana Co. | Toll Brothers, Inc. |
| Country | United States | United States |
| GICS Sector | Consumer Discretionary | Consumer Discretionary |
| GICS Industry | Specialty Retail | Household Durables |
| Market Capitalization | 40.92 billion USD | 13.09 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | April 28, 2017 | July 8, 1986 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CVNA and TOL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | CVNA | TOL |
|---|---|---|
| 5-Day Price Return | -2.20% | 5.97% |
| 13-Week Price Return | 25.12% | 22.89% |
| 26-Week Price Return | 32.94% | 0.29% |
| 52-Week Price Return | 162.11% | 4.47% |
| Month-to-Date Return | -10.33% | 12.66% |
| Year-to-Date Return | 72.04% | 5.88% |
| 10-Day Avg. Volume | 3.74M | 1.30M |
| 3-Month Avg. Volume | 3.88M | 1.75M |
| 3-Month Volatility | 53.12% | 37.03% |
| Beta | 3.58 | 1.43 |
Profitability
Return on Equity (TTM)
CVNA
44.11%
Specialty Retail Industry
- Max
- 61.19%
- Q3
- 37.24%
- Median
- 18.81%
- Q1
- 8.92%
- Min
- -13.03%
In the upper quartile for the Specialty Retail industry, CVNA’s Return on Equity of 44.11% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
TOL
17.91%
Household Durables Industry
- Max
- 26.99%
- Q3
- 17.28%
- Median
- 12.66%
- Q1
- 7.34%
- Min
- 0.07%
In the upper quartile for the Household Durables industry, TOL’s Return on Equity of 17.91% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
CVNA
3.46%
Specialty Retail Industry
- Max
- 21.28%
- Q3
- 10.68%
- Median
- 6.08%
- Q1
- 2.43%
- Min
- -4.54%
CVNA’s Net Profit Margin of 3.46% is aligned with the median group of its peers in the Specialty Retail industry. This indicates its ability to convert revenue into profit is typical for the sector.
TOL
12.95%
Household Durables Industry
- Max
- 15.50%
- Q3
- 8.99%
- Median
- 6.57%
- Q1
- 4.33%
- Min
- -0.49%
A Net Profit Margin of 12.95% places TOL in the upper quartile for the Household Durables industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
CVNA
9.16%
Specialty Retail Industry
- Max
- 33.35%
- Q3
- 15.84%
- Median
- 9.34%
- Q1
- 3.83%
- Min
- -8.97%
CVNA’s Operating Profit Margin of 9.16% is around the midpoint for the Specialty Retail industry, indicating that its efficiency in managing core business operations is typical for the sector.
TOL
16.67%
Household Durables Industry
- Max
- 20.22%
- Q3
- 12.29%
- Median
- 9.54%
- Q1
- 6.30%
- Min
- -1.92%
An Operating Profit Margin of 16.67% places TOL in the upper quartile for the Household Durables industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | CVNA | TOL |
|---|---|---|
| Return on Equity (TTM) | 44.11% | 17.91% |
| Return on Assets (TTM) | 6.60% | 10.12% |
| Net Profit Margin (TTM) | 3.46% | 12.95% |
| Operating Profit Margin (TTM) | 9.16% | 16.67% |
| Gross Profit Margin (TTM) | 21.89% | 26.21% |
Financial Strength
Current Ratio (MRQ)
CVNA
4.00
Specialty Retail Industry
- Max
- 2.83
- Q3
- 1.89
- Median
- 1.39
- Q1
- 1.11
- Min
- 0.64
CVNA’s Current Ratio of 4.00 is exceptionally high, placing it well outside the typical range for the Specialty Retail industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.
TOL
3.54
Household Durables Industry
- Max
- 9.23
- Q3
- 4.50
- Median
- 2.35
- Q1
- 1.29
- Min
- 0.70
TOL’s Current Ratio of 3.54 aligns with the median group of the Household Durables industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio (MRQ)
CVNA
3.30
Specialty Retail Industry
- Max
- 3.02
- Q3
- 1.57
- Median
- 0.64
- Q1
- 0.20
- Min
- 0.00
With a Debt-to-Equity Ratio of 3.30, CVNA operates with exceptionally high leverage compared to the Specialty Retail industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
TOL
0.35
Household Durables Industry
- Max
- 1.84
- Q3
- 0.90
- Median
- 0.34
- Q1
- 0.19
- Min
- 0.00
TOL’s Debt-to-Equity Ratio of 0.35 is typical for the Household Durables industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio (TTM)
CVNA
1.61
Specialty Retail Industry
- Max
- 48.12
- Q3
- 35.95
- Median
- 14.13
- Q1
- 3.61
- Min
- -36.00
In the lower quartile for the Specialty Retail industry, CVNA’s Interest Coverage Ratio of 1.61 indicates a tighter cushion for servicing debt, suggesting less financial flexibility than many of its competitors.
TOL
-8.67
Household Durables Industry
- Max
- 140.40
- Q3
- 77.14
- Median
- 24.53
- Q1
- 5.69
- Min
- -17.01
TOL has a negative Interest Coverage Ratio of -8.67. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | CVNA | TOL |
|---|---|---|
| Current Ratio (MRQ) | 4.00 | 3.54 |
| Quick Ratio (MRQ) | 2.58 | 0.28 |
| Debt-to-Equity Ratio (MRQ) | 3.30 | 0.35 |
| Interest Coverage Ratio (TTM) | 1.61 | -8.67 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CVNA
0.00%
Specialty Retail Industry
- Max
- 6.53%
- Q3
- 2.69%
- Median
- 1.08%
- Q1
- 0.00%
- Min
- 0.00%
CVNA currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
TOL
0.75%
Household Durables Industry
- Max
- 8.95%
- Q3
- 4.19%
- Median
- 1.88%
- Q1
- 0.03%
- Min
- 0.00%
TOL’s Dividend Yield of 0.75% is consistent with its peers in the Household Durables industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
CVNA
0.00%
Specialty Retail Industry
- Max
- 165.81%
- Q3
- 80.94%
- Median
- 31.61%
- Q1
- 0.00%
- Min
- 0.00%
CVNA has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
TOL
6.91%
Household Durables Industry
- Max
- 125.12%
- Q3
- 62.43%
- Median
- 39.18%
- Q1
- 5.55%
- Min
- 0.00%
TOL’s Dividend Payout Ratio of 6.91% is within the typical range for the Household Durables industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | CVNA | TOL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.75% |
| Dividend Payout Ratio (TTM) | 0.00% | 6.91% |
Valuation
Price-to-Earnings Ratio (TTM)
CVNA
133.10
Specialty Retail Industry
- Max
- 48.56
- Q3
- 29.15
- Median
- 22.00
- Q1
- 15.46
- Min
- 7.95
At 133.10, CVNA’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Specialty Retail industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
TOL
9.24
Household Durables Industry
- Max
- 29.75
- Q3
- 18.88
- Median
- 13.25
- Q1
- 9.26
- Min
- 6.32
In the lower quartile for the Household Durables industry, TOL’s P/E Ratio of 9.24 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
CVNA
4.60
Specialty Retail Industry
- Max
- 5.08
- Q3
- 2.69
- Median
- 1.23
- Q1
- 0.48
- Min
- 0.09
CVNA’s P/S Ratio of 4.60 is in the upper echelon for the Specialty Retail industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
TOL
1.20
Household Durables Industry
- Max
- 2.12
- Q3
- 1.21
- Median
- 0.83
- Q1
- 0.51
- Min
- 0.18
TOL’s P/S Ratio of 1.20 aligns with the market consensus for the Household Durables industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
CVNA
41.71
Specialty Retail Industry
- Max
- 16.93
- Q3
- 7.98
- Median
- 3.69
- Q1
- 1.79
- Min
- 0.21
At 41.71, CVNA’s P/B Ratio is at an extreme premium to the Specialty Retail industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
TOL
1.26
Household Durables Industry
- Max
- 4.21
- Q3
- 2.29
- Median
- 1.34
- Q1
- 0.98
- Min
- 0.59
TOL’s P/B Ratio of 1.26 is within the conventional range for the Household Durables industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | CVNA | TOL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 133.10 | 9.24 |
| Price-to-Sales Ratio (TTM) | 4.60 | 1.20 |
| Price-to-Book Ratio (MRQ) | 41.71 | 1.26 |
| Price-to-Free Cash Flow Ratio (TTM) | 78.96 | 10.98 |